US Patent No: 5,974,146

Number of patents in Portfolio can not be more than 2000

Real time bank-centric universal payment system

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Abstract

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An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DATATREASURY CORPORATIONPLANO, TX13
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LPHOUSTON, TX9623

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bartlett, Rick Saratoga, CA 2 350
Ercole, Richard Westerville, OH 2 350
Fontana, Fabio Mountain View, CA 5 360
Fredelake, Jodie M Columbus, OH 2 350
Geer, Terry L Pickerington, OH 7 1066
James, David L Dublin, OH 9 653
Lampru, Paul Roswell, GA 2 350
Murphy, Robert W Layfayette, CA 9 481
Randle, William Bexley, OH 2 350
Roman, Dennis Novato, CA 2 350
Rosenberg, Ruth Layfayette, CA 4 426
Tran, Tuong T Mountain View, CA 2 350

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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BMC Resources, Inc. (2)
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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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Other [Check patent profile for assignment information] (20)
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7,711,639 Pre-funding system and method 5 2005
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PAXERA CORP. (1)
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UPAID SYSTEMS, LTD. (6)
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THE WESTERN UNION COMPANY (44)
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7,266,533 Electronic gift greeting 18 2001
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7,096,205 Systems and methods for enrolling consumers in goods and services 12 2002
7,130,817 Electronic gift linking 22 2002
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7,184,989 Staged transactions systems and methods 13 2003
7,103,577 Systems and methods for staging transactions, payments and collections 28 2003
7,117,183 Airline ticket payment and reservation system and methods 28 2004
7,641,109 Money transfer cards, systems and methods 11 2005
7,392,940 In-lane money transfer systems and methods 3 2005
8,672,220 Money transfer system and method 1 2005
8,706,640 Systems and methods for enrolling consumers in goods and services 0 2006
9,129,464 Staged transactions systems and methods 0 2006
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8,515,874 Airline ticket payment and reservation system and methods 1 2006
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8,818,904 Generation systems and methods for transaction identifiers having biometric keys associated therewith 1 2007
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7,908,179 Electronic gift linking 2 2007
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7,716,128 Electronic indentifier payment systems and methods 3 2007
7,753,267 In-lane money transfer systems and methods 5 2008
8,024,229 Wide area network person-to-person payment 4 2008
7,941,342 Wide area network person-to-person payment 1 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 9 2008
7,937,322 Method and system for transferring money in business-to-business internet transactions 0 2009
8,960,537 Money transfer systems and methods 0 2012
8,851,371 In-lane money transfer systems and methods 0 2013
8,762,267 Money transfer system and messaging system 0 2013
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9,123,044 Generation systems and methods for transaction identifiers having biometric keys associated therewith 0 2014
 
E.E. System Corporation (2)
8,041,646 Method and system for real time online debit transactions 4 2006
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NICHOLAS ANTHONY LINDSAY BROWN (1)
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NEWVALUEXCHANGE LTD (4)
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9,431,028 Apparatuses, methods and systems for a digital conversation management platform 0 2014
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ASAP SHOW, INC. (1)
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ORACLE AMERICA, INC. (1)
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REGULATORY DATACORP INTERNATIONAL LLC (4)
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9,058,581 Systems and methods for managing information associated with legal, compliance and regulatory risk 0 2013
 
ORACLE INTERNATIONAL CORPORATION (8)
* 7,599,885 Many-to-many correspondence: methods and systems for replacing interbank funds transfers 0 2001
7,814,012 Aggregated postal billing and payment methods and systems 43 2003
* 2004/0230,523 Aggregated postal billing and payment methods and systems 49 2003
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8,156,044 Many-to-many correspondence: methods and systems for replacing interbank funds transfers 0 2009
* 2009/0327,146 MANY-TO-MANY CORRESPONDENCE: METHODS AND SYSTEMS FOR REPLACING INTERBANK FUNDS TRANSFERS 0 2009
8,140,432 Aggregated postal billing and payment methods and systems 1 2010
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APPLE INC. (50)
8,677,377 Method and apparatus for building an intelligent automated assistant 21 2006
8,977,255 Method and system for operating a multi-function portable electronic device using voice-activation 3 2007
9,053,089 Part-of-speech tagging using latent analogy 1 2007
9,330,720 Methods and apparatus for altering audio output signals 0 2008
8,996,376 Intelligent text-to-speech conversion 1 2008
8,768,702 Multi-tiered voice feedback in an electronic device 2 2008
8,898,568 Audio user interface 14 2008
8,712,776 Systems and methods for selective text to speech synthesis 5 2008
8,676,904 Electronic devices with voice command and contextual data processing capabilities 4 2008
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8,682,649 Sentiment prediction from textual data 8 2009
8,682,667 User profiling for selecting user specific voice input processing information 15 2010
8,713,021 Unsupervised document clustering using latent semantic density analysis 4 2010
8,719,006 Combined statistical and rule-based part-of-speech tagging for text-to-speech synthesis 5 2010
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9,318,108 Intelligent automated assistant 0 2011
8,781,836 Hearing assistance system for providing consistent human speech 1 2011
9,262,612 Device access using voice authentication 1 2011
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8,762,156 Speech recognition repair using contextual information 9 2011
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8,775,442 Semantic search using a single-source semantic model 13 2012
8,762,469 Electronic devices with voice command and contextual data processing capabilities 1 2012
8,713,119 Electronic devices with voice command and contextual data processing capabilities 1 2012
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8,935,167 Exemplar-based latent perceptual modeling for automatic speech recognition 1 2012
9,117,447 Using event alert text as input to an automated assistant 2 2012
8,942,986 Determining user intent based on ontologies of domains 2 2012
8,903,716 Personalized vocabulary for digital assistant 1 2012
8,892,446 Service orchestration for intelligent automated assistant 6 2012
8,799,000 Disambiguation based on active input elicitation by intelligent automated assistant 5 2012
8,706,503 Intent deduction based on previous user interactions with voice assistant 17 2012
8,670,979 Active input elicitation by intelligent automated assistant 12 2012
8,660,849 Prioritizing selection criteria by automated assistant 17 2012
8,718,047 Text to speech conversion of text messages from mobile communication devices 1 2012
9,311,043 Adaptive audio feedback system and method 0 2013
8,751,238 Systems and methods for determining the language to use for speech generated by a text to speech engine 2 2013
8,930,191 Paraphrasing of user requests and results by automated digital assistant 3 2013
8,731,942 Maintaining context information between user interactions with a voice assistant 8 2013
9,280,610 Crowd sourcing information to fulfill user requests 0 2013
9,075,783 Electronic device with text error correction based on voice recognition data 1 2013
9,361,886 Providing text input using speech data and non-speech data 0 2013
9,412,392 Electronic devices with voice command and contextual data processing capabilities 0 2014
9,190,062 User profiling for voice input processing 1 2014
9,368,114 Context-sensitive handling of interruptions 0 2014
9,300,784 System and method for emergency calls initiated by voice command 0 2014
9,338,493 Intelligent automated assistant for TV user interactions 0 2014
9,430,463 Exemplar-based natural language processing 0 2014
 
GULA CONSULTING LIMITED LIABILITY COMPANY (4)
7,003,495 Portable electronic authorization system and method 95 2000
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DIEBOLD, INCORPORATED (11)
7,555,461 Method and system for connecting services to an automated transaction machine 5 2000
7,542,944 Method and system for connecting services to an automated transaction machine 5 2000
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BNY JAYWALK LLC (1)
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Felsher, David (1)
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ZILOS NETWORKING LIMITED LIABILITY COMPANY (7)
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FISERV, INC. (6)
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8,874,480 Centralized payment method and system for online and offline transactions 0 2012
8,433,659 Systems and methods for determining estimated lead times 0 2012
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BAROH.COM CO., LTD. (1)
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CITICORP CREDIT SERVICES, INC. (USA) (2)
8,498,902 Process and system for the clearing and settling of transactions 1 2000
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ACXSYS CORPORATION (4)
7,844,546 Online payment transfer and identity management system and method 16 2002
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Simplus (Proprietary) Limited (1)
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HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
6,732,919 System and method for using a multiple-use credit card 174 2002
 
GOLDMAN, SACHS & CO. (6)
8,140,415 Automated global risk management 6 2001
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Mazooma Technical Services, Inc. (4)
7,720,764 Method, device, and system for completing on-line financial transaction 8 2008
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9,015,074 Device and method for facilitating financial transactions 0 2012
 
OneCore Financial Network, Inc. (1)
6,606,606 Systems and methods for performing integrated financial transaction 207 1999
 
CHECKFREE SERVICES CORPORATION (16)
7,792,749 Dynamic biller list generation 13 2000
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7,502,749 Method and system for making a monetary gift 9 2001
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CHECKFREE CORPORATION (48)
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7,526,448 Matching consumers with billers having bills available for electronic presentment 9 2002
7,395,243 Technique for presenting matched billers to a consumer 23 2002
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8,073,773 Technique for identifying probable billers of a consumer 4 2003
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* 2004/0139,011 Technique for identifying probable payees of a consumer 2 2003
7,930,248 Technique for calculating payee specific time to payment completion 14 2003
6,932,268 Dual mode credit card based payment technique 57 2003
8,010,424 Payment processing with payee risk management 0 2003
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7,653,598 Payment processing with selection of a processing parameter 6 2003
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7,729,996 Reuse of an EBP account through alternate authentication 3 2004
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7,778,901 Integrated electronic presentment and payment of bills by different entities 8 2005
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8,612,342 Notification of the availability of electronic bills 0 2005
* 2005/0222,954 Multi-factor algorithm for facilitating electronic payments to payees 9 2005
7,606,787 Propagating data to facilitate electronic payments to payees 5 2005
* 2007/0226,138 Systems and methods for subscriber to payee cross pollination 1 2006
7,644,036 Credit card supported electronic payments 7 2006
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7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system 6 2006
8,781,959 Systems and methods for generating payment due notifications 0 2011
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Unpaid Systems, Ltd. (1)
6,381,316 Enhanced communication platform and related communication method using the platform 202 2001
 
ADVANCE TECHNOLOGY LIMITED (1)
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ACCENTURE GLOBAL SERVICES LIMITED (6)
7,562,032 Ordering items of playable content or other works 48 2001
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8,326,709 Automated audit process 0 2008
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (2)
8,484,046 Method and apparatus for internet on-line insurance policy service 0 2010
8,712,795 Method and apparatus for internet on-line insurance policy service 0 2012
 
TROY GROUP, INC. (1)
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FIRST DATA CORPORATION (15)
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7,463,946 Mail handling equipment and methods 7 2005
7,587,342 Method for requesting and receiving an online payment through a payment enabler system 8 2006
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7,797,235 On-line cash register to use in providing a consumer-to-consumer payment service 1 2007
7,765,148 Method and system for facilitating payment of an online auction transaction 24 2007
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* 2007/0136,192 Method and system for facilitating payment of an online auction transaction 7 2007
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7,783,571 ATM system for receiving cash deposits from non-networked clients 43 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 17 2007
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BIOMETRIC PAYMENT SOLUTIONS, LLP (5)
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8,678,273 Electronic transaction verification system 1 2008
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INTEL CORPORATION (1)
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LVWA, LLC (2)
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Currenex, Inc. (1)
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FEXCO (1)
7,458,507 ATM machine and methods with currency conversion capabilities 37 2007
 
SKYDECK CORPORATION (1)
7,971,699 Coin counter/sorter and coupon/voucher dispensing machine and method 9 2006
 
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Visa U.S.A. Inc. (8)
7,822,679 Method and system for conducting a commercial transaction between a buyer and a seller 5 2001
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7,280,981 Method and system for facilitating payment transactions using access devices 55 2002
9,269,082 Method and system for providing multiple services via a point-of-sale portal architecture 0 2006
7,571,141 Method and system for facilitating payment transactions using access devices 8 2007
8,010,453 Method and system for facilitating payment transactions using access devices 1 2007
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8,924,299 Method and system for facilitating payment transactions using access devices 0 2012
 
SOFTBANKBB CORPORATION (8)
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7,457,782 Electronic settlement system, settlement apparatus and terminal 6 2006
* 2006/0129,504 Electronic settlement system, settlement apparatus and terminal 6 2006
7,865,401 Electronic settlement system, settlement apparatus, and terminal 15 2007
 
Somatic Digital LLC (3)
8,001,123 Open source publishing system and method 4 2007
* 2008/0140,610 System and method for repurposing printed content to interact with digital content 0 2007
* 2008/0091,716 Open source publishing system and method 1 2007
 
PAYPAL INTERNATIONAL LIMITED (3)
7,533,064 E-mail invoked electronic commerce 35 1999
8,301,510 Electronic commerce for system registered consumers 7 2009
* 2009/0132,273 E-MAIL INVOKED ELECTRONIC COMMERCE 10 2009
 
PAYPAL, INC. (3)
* 6,327,578 Four-party credit/debit payment protocol 435 1998
* 6,701,303 E-commerce system and method of operation enabling a user to conduct transactions with multiple retailers without certification and/or trusted electronic paths 40 1999
* RE40444 Four-party credit/debit payment protocol 11 2003
 
United Services Automobile Association (USAA) (2)
* 8,600,871 Credit and prepaid financial card 0 2008
8,380,591 System and method for providing warning and protection for bill payments 0 2009
 
JPMORGAN CHASE BANK, N.A. (2)
8,515,868 Multiple account advanced payment card and method of routing card transactions 1 2011
8,751,383 Multiple account advanced payment card and method of routing card transactions 0 2013
 
THE DUN & BRADSTREET CORPORATION (1)
6,950,809 Facilitating a transaction in electronic commerce 14 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (16)
* 6,128,603 Consumer-based system and method for managing and paying electronic billing statements 394 1997
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 139 1998
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 64 1999
7,822,683 System and method for secure third-party development and hosting within a financial services network 2 2000
* 2001/0032,181 System and method for secure third-party development and hosting within a financial services network 118 2000
* 2002/0065,772 System, method and program for network user access 27 2001
7,516,101 Electronic bill presentment and payment system with bill dispute capabilities 5 2004
7,478,066 Electronic bill presentment and payment system 19 2004
7,620,602 System and method for secure third-party development and hosting within a financial services network 2 2004
* 2005/0131,814 System and method for secure third-party development and hosting within a financial services network 3 2004
7,636,689 Consumer-based system and method for managing and paying electronic billing statements 6 2004
7,610,245 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0065,883 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0197,957 Parcel manager for distributed electronic billing system 17 2005
* 2005/0187,875 Parcel manager for distributed electronic billing system 0 2005
* 2011/0035,303 System and Method for Secure Third-Party Development and Hosting within a Financial Services Network 3 2010
 
MOBILASTIC TECHNOLOGIES PTE LTD (1)
* 2004/0104,097 Secure transfer of digital tokens 10 2003
 
BANK OF AMERICA CORPORATION (1)
* 2011/0166,989 OFFSETTING LIABILITIES AND ATTRIBUTING REWARDS 1 2010
 
CashEdge, Inc. (6)
* 2003/0236,728 Method and apparatus for managing a financial transaction system 86 2003
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 19 2007
* 2008/0288,400 Centralized Payment Method and System for Online and Offline Transactions 15 2008
* 2008/0301,023 Multi-Channel and Cross-Channel Account Opening 10 2008
* 2010/0030,687 Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks 61 2009
* 2010/0042,539 Money Movement Network Hub System 4 2009
 
RENSSELAER POLYTECHNIC INSTITUTE (1)
7,177,798 Natural language interface using constrained intermediate dictionary of results 127 2001
 
CONVERGEX GROUP, LLC (4)
7,769,658 Commission management system 2 2009
* 2009/0216,670 COMMISSION MANAGEMENT SYSTEM 0 2009
8,433,629 Commission management system 0 2010
* 2011/0010,284 COMMISSION MANAGEMENT SYSTEM 0 2010
 
METAVANTE CORPORATION (12)
7,945,491 Integrated systems for electronic bill presentment and payment 5 2000
* 2002/0019,808 Integrated systems for electronic bill presentment and payment 59 2000
* 2001/0037,295 Push model internet bill presentment and payment system and method 103 2001
7,734,543 Electronic bill presentment and payment system 9 2001
* 2002/0002,536 Electronic bill presentment and payment system 47 2001
7,370,014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 8 2001
8,799,157 Business combined bill management system and method 0 2002
8,751,384 Integrated bill presentment and payment system and method of operating the same 0 2002
* 2003/0233,317 Methods and systems for transferring funds 63 2002
7,958,049 System and method for obtaining customer bill information and facilitating bill payment at biller websites 10 2003
* 2004/0210,520 Bill payment payee information management system and method 18 2003
* 2004/0215,560 Integrated payment system and method 72 2003
 
EFUNDS CORPORATION (1)
* 2003/0061,171 System for and method of effecting an electronic transaction 50 2002
 
Precash, Inc. (6)
* 6,185,545 Electronic payment system utilizing intermediary account 222 1999
8,086,530 Electronic payment system utilizing intermediary account 6 2000
* 2001/0001,321 Electronic payment system utilizing intermediary account 65 2000
* 2007/0150,414 System and method for facilitating payment transactions 5 2007
* 2011/0029,434 SYSTEM AND METHOD FOR FACILITATING PAYMENT TRANSACTIONS 1 2010
8,234,214 System and method for facilitating large scale payment transactions 0 2011
 
STANDARD CHARTERED UK HOLDINGS LIMITED (2)
7,110,980 System and method for facilitating electronic transfer of funds 3 2003
* 2003/0236,726 System and method for facilitating electronic transfer of funds 5 2003
 
Viewpointe Clearing, Settlement & Association Services, LLC (3)
* 7,725,389 Clearing house settlement system 2 2003
8,364,562 System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house 0 2008
* 2008/0319,880 SYSTEM, COMPUTER PROGRAM AND METHOD FOR PROCESSING PRESENTMENT AND ADJUSTMENT INFORMATION TO INSTITUTIONS PARTICIPATING IN A REGIONAL OR NATIONAL CLEARING HOUSE 1 2008
 
CASH EDGE, INC. (1)
* 2008/0208,737 Funds Transfer Method and Apparatus 5 2008
 
CC SERVE CORPORATION (3)
7,676,395 On-us cash withdrawal at a point-of-sale 0 2005
7,676,415 On-us cash withdrawal at a point-of-sale 0 2007
* 2008/0120,233 On-us cash withdrawal at a point-of-sale 3 2007
 
OUTERWALL INC. (38)
8,033,375 Methods and systems for exchanging and/or transferring various forms of value 7 2003
7,865,432 Methods and systems for exchanging and/or transferring various forms of value 27 2003
7,653,599 Methods and systems for exchanging and/or transferring various forms of value 30 2003
6,957,746 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 68 2003
7,014,108 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 44 2003
* 2004/0031,847 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 3 2003
7,815,071 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 13 2004
7,131,580 Coin counter and voucher dispensing machine and method 46 2005
7,748,619 Card dispensing apparatuses and associated methods of operation 18 2005
* 2007/0125,845 Card dispensing apparatuses and associated methods of operation 7 2005
7,331,521 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 40 2006
* 2006/0108,414 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 1 2006
7,464,802 Method and apparatus for conditioning coins prior to discrimination 27 2006
7,303,119 Coin counter and voucher dispensing machine and method 46 2006
7,520,374 Coin discrimination apparatus and method 40 2007
7,527,193 Coin counter and voucher dispensing machine and method 14 2007
8,332,313 Methods and systems for exchanging and/or transferring various forms of value 9 2008
7,874,478 Coin counter and voucher dispensing machine and method 40 2009
8,103,586 Methods and systems for exchanging and/or transferring various forms of value 5 2009
8,024,272 Methods and systems for exchanging/transferring gift cards 21 2010
8,038,059 Card dispensing apparatuses and associated methods of operation 4 2010
8,550,294 Card dispensing apparatuses and associated methods of operation 7 2010
9,290,338 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 0 2010
* 2010/0327,005 APPARATUSES AND METHODS FOR DISPENSING MAGNETIC CARDS, INTEGRATED CIRCUIT CARDS, AND OTHER SIMILAR ITEMS 21 2010
9,233,812 Card dispensing apparatuses and associated methods of operation 0 2010
* 2011/0071,666 CARD DISPENSING APPARATUSES AND ASSOCIATED METHODS OF OPERATION 2 2010
8,229,851 Methods and systems for exchanging/transferring gift cards 21 2011
9,064,268 Gift card exchange kiosks and associated methods of use 0 2011
8,874,467 Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same 2 2011
9,129,294 Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like 0 2012
9,036,890 Optical coin discrimination systems and methods for use with consumer-operated kiosks and the like 0 2012
8,967,361 Coin counting and sorting machines 2 2013
9,227,800 Multi-function card handling apparatus and methods of operation 0 2013
9,022,841 Coin counting and/or sorting machines and associated systems and methods 2 2013
9,443,367 Digital image coin discrimination for use with consumer-operated kiosks and the like 0 2014
9,235,945 Coin input apparatuses and associated methods and systems 0 2014
9,230,381 Coin counting and sorting machines 0 2014
9,183,687 Coin counting and/or sorting machines and associated systems and methods 0 2015
 
ALCATEL LUCENT (4)
* 9,363,100 Access system and network architecture with access system 0 2008
* 2009/0043,894 ACCESS SYSTEM AND NETWORK ARCHITECTURE WITH ACCESS SYSTEM 2 2008
* 7,948,377 Smart mediation and reaction system for protecting interdependent critical infrastructures 2 2008
* 2009/0079,562 SMART MEDIATION AND REACTION SYSTEM FOR PROTECTING INTERDEPENDENT CRITICAL INFRASTRUCTURES 1 2008
 
III HOLDINGS 1, LLC (2)
7,021,532 Transaction authorization system and method 8 2004
* 2005/0269,398 TRANSACTION AUTHORIZATION SYSTEM AND METHOD 6 2004
 
C HECKFREE CORPORATION (1)
* 2006/0184,451 Integrated electronic presentment and payment of bills by different entities 5 2005
 
STANDARD CHARTERED (CT) PLC (1)
* 2006/0277,143 SYSTEM AND METHOD FOR FACILITATING ELECTRONIC TRANSFER OF FUNDS 5 2006
 
COMPUCREDIT (1)
* 2007/0007,333 On-us cash withdrawal at a point-of-sale 14 2005
 
EARTHLINK BUSINESS, LLC (2)
* 8,095,624 Architecture for serving and managing independent access devices 0 2000
* 2002/0087,670 Architecture for serving and managing independent access devices 6 2000
 
BRINK'S NETWORK, INC. (5)
* 2011/0035,316 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 46 2007
* 2009/0006,249 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 17 2007
8,844,804 Process of and system for facilitating cash collections deposits and deposit tracking 0 2008
* 2011/0031,306 PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING 1 2008
* 2009/0222,381 PROCESS OF AND SYSTEM FOR FACILITATING CHECK PROCESSING AT POINT OF SALE AND ACCELERATED CREDIT FOR CHECK TRANSACTIONS 3 2009
 
FIRST DATA MERCHANT SERVICES (1)
7,219,832 ATM machine and methods with currency conversion capabilities 11 2005
 
MONEYGRAM INTERNATIONAL, INC. (1)
* 2013/0325,720 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 1 2013
* Cited By Examiner